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Atlantic Union Bankshares Corporation (AUB)
NYSE:AUB
Earnings Data
Report Date
Apr 28, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.88Last Year’s EPS
0.57Same Quarter Last Year
Moderate Buy
Based on 7 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed robust operating performance following the Sandy Spring acquisition: strong loan growth, NIM expansion, top-tier adjusted returns (ROTCE and efficiency), improved asset quality, tangible book growth, and reiterated 2026 guidance. Key negatives were sizable merger-related pretax charges that depressed GAAP results, seasonal deposit outflows in Q4, some elevated noninterest expenses (including episodic fraud losses), and the acknowledged variability of accretion and swap income. Management presented clear integration progress, a path to cost savings, and constructive capital deployment plans (dividend increase and potential buybacks when excess capital criteria are met). Overall the positive operating fundamentals and outlook outweighed the transitory and integration-related headwinds.Company Guidance
Strong Q4 Loan Growth and Refilled Pipeline
Loans held for investment rose to $27.8B, up $435M (≈6.3% annualized) in Q4; management reported the loan pipeline was higher at quarter end versus quarter start and reiterated 2026 year-end loan guidance of $29B–$30B.
Net Interest Margin and NII Improvement
Fully tax-equivalent net interest margin increased 13 basis points to 3.96% in Q4; tax-equivalent net interest income was $334.8M for the quarter (up $11.2M vs. Q3). Full‑year NII guidance for 2026 is $1.35B–$1.375B.
Outstanding Adjusted Operating Profitability Metrics
Q4 adjusted operating earnings available to common shareholders were $138.4M ($0.97 EPS) producing adjusted operating ROTCE of 22.1%, adjusted operating ROA of 1.5% and adjusted efficiency ratio of 47.8%; full-year 2025 adjusted ROTCE was 20.4%.
Asset Quality Remains Strong
Q4 annualized net charge-off ratio was 1 basis point and full-year NCOs were 17 basis points (within 15–20 bps guidance); non-performing assets declined to 0.42% of loans (down 7 bps QoQ) and criticized/classified assets stayed low at 4.7%.
Deposit Cost Reduction and Cost of Funds Improvement
Cost of funds decreased 14 basis points to 2.03% in Q4 as management aggressively lowered deposit rates (~$12–$13B repriced), contributing meaningfully to margin expansion.
Integration Progress and Realized/Future Cost Savings
Core systems conversion completed in October; merger-related charge noise expected to decline with only modest residual expenses anticipated in Q1 (~< $5M). Management reiterated $80M targeted run‑rate cost savings, with ~60M annualized already achieved and additional savings coming through.
Capital, Shareholder Returns and Tangible Book Value Growth
Regulatory capital ratios remain comfortably above well-capitalized levels; tangible book value per common share rose ~4% to $19.69 in Q4; common dividend increased 8.8% to $0.37/share and management indicated potential share repurchases when excess capital is available (targeting CET1 >10.5%).
Guidance and 2026 Outlook Reiterated
Management maintained 2026 guidance: year-end deposits $31.5B–$32.5B, allowance-to-loans ~115–120 bps, net charge-offs 10–15 bps, fully tax-equivalent NIM ~3.94% (assumes two 25 bps Fed cuts). Accretion income baseline modeled at $150M–$160M for 2026.
AUB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
AUB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 22, 2026 | $39.99 | $39.67 | -0.80% |
Sep 30, 2025 | $35.20 | $34.89 | -0.88% |
Jun 30, 2025 | $30.58 | $30.59 | +0.03% |
Apr 24, 2025 | $25.47 | $25.58 | +0.43% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Atlantic Union Bankshares Corporation (AUB) report earnings?
Atlantic Union Bankshares Corporation (AUB) is schdueled to report earning on Apr 28, 2026, Before Open (Confirmed).
What is Atlantic Union Bankshares Corporation (AUB) earnings time?
Atlantic Union Bankshares Corporation (AUB) earnings time is at Apr 28, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is AUB EPS forecast?
AUB EPS forecast for the fiscal quarter 2026 (Q1) is 0.88.